FACTS WHAT DOES WEB FINANCE DIRECT, INC. (“WFD”) DO WITH YOUR PERSONAL INFORMATION?
Why? Financial companies choose how they share your personal information. Federal law gives consumers the right to limit some but not all sharing. Federal law also requires us to tell you how we collect, share, and protect your personal information. Please read this notice carefully to understand what we do.
What? The types of personal information we collect and share depend on the product or service you have with us. This information can include:
⦁ Social Security number
⦁ Account balances and financial account information
⦁ Credit score and report
How? All financial companies need to share customers’ personal information to run their everyday business. In the section below, we list the reasons financial companies can share their customers’ personal information; the reasons WFD chooses to share; and whether you can limit this sharing.
Reasons we can share your personal information Does WFD share? Can you limit this sharing?
For our everyday business purposes – such as to process your transactions, maintain your account(s), respond to court orders and legal investigations, or report to credit bureaus Yes No
For our marketing purposes – to offer our products and services to you Yes Yes
For joint marketing with other financial companies No We don’t share
For our affiliates’ everyday business purposes – information about your transactions and experiences Yes No
For our affiliates’ everyday business purposes – information about your creditworthiness No We don’t share
For our affiliates to market to you Yes No
For our nonaffiliates to market to you No We don’t share
Questions? support@webfinancedirect.com
Who we are
Who is providing this notice? Web Finance Direct, Inc.
What we do
How does WFD protect my personal information? To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
How does WFD collect my personal information? We collect your personal information, for example, when you
⦁ Open an account
⦁ Contact us
⦁ Engage in transactions with us
⦁ Give us your contact information or provide account information
We also collect your personal information from other companies and our dealers.
Why can’t I limit all sharing? Federal law gives you the right to limit only
⦁ sharing for affiliates’ everyday business purposes – information about your creditworthiness
⦁ affiliates from using your information to market to you
⦁ sharing for nonaffiliates to market to you
State laws and individual companies may give you additional rights to limit sharing. See below for more on your rights under state law.
Definitions
Affiliates Companies related by common ownership or control. They can be financial and nonfinancial companies. Our affiliates include companies with a common corporate identity of WFD and with common control among ownership as that of WFD
Nonaffiliates Companies not related by common ownership or control. They can be financial and nonfinancial companies. Nonaffiliates we share with our dealers, financial institutions and lenders.
Joint Marketing A formal agreement between nonaffiliated financial companies that together market financial products or services to you.
Other important information
California and Vermont Residents: We will not share information we collect about you with companies outside of WFD (including with our affiliates) except as permitted by law and as described in this Privacy Policy.

WEB FINANCE PRIVACY POLICY

Effective Date / Date of Last Revision: December __, 2022

⦁ WHO WE ARE
⦁ HOW TO CONTACT US
⦁ WHY AND HOW WE COLLECT DATA
⦁ PROTECTING YOUR PRIVACY GENERALLY
⦁ CHILDREN’S PRIVACY
⦁ TYPES OF INFORMATION WE COLLECT
⦁ HOW WE USE DATA
⦁ INFORMATION WE SHARE WITH THIRD PARTIES
⦁ HOW TO ACCESS & CONTROL YOUR PERSONAL DATA
⦁ SECURITY
⦁ LINKS TO THIRD-PARTY SITES
⦁ DATA RETENTION
⦁ ACCESSIBILITY
⦁ NOTICE TO NEVADA RESIDENTS
⦁ NOTICE TO CALIFORNIA RESIDENTS
⦁ WHO WE ARE

Web Finance Direct, Inc. (“WFD,” “we,” “our,” or “us”) provides services and solutions to dealers and lenders of automotive, boat and marine, RV & camper and powersports, and other vehicle products (“Services”). WFD operates a publicly facing website at: https://www.webfinancedirect.com where it provides information about its Services (the “Site”).

Some of the data we collect from our customers and Site users is considered “personally identifiable information,” “personal information” or “personal data” under applicable law (collectively referred to in this Privacy Policy as “Personal Data”). Generally, Personal Data is information that can be reasonably connected to an identified or identifiable individual. It does not include deidentified or anonymized data.

The purpose of this Privacy Policy is to disclose to you how we collect, use and share information, and how we attempt to safeguard the data you provide to us. We are committed to securing data that we collect concerning you (“you”) and complying with applicable data protection and privacy laws.

⦁ HOW TO CONTACT US

If you have any questions regarding data protection or your rights, please contact us:
Through our webform
Email us at: support@webfinancedirect.com

⦁ WHY AND HOW WE COLLECT DATA

We collect, process and use Personal Data to allow you to utilize the functionality and features we provide on our Site, to provide you with our Services, and to communicate with you. The legal basis for our collection of Personal Data is with your consent, for our legitimate business purposes and/or to comply with our legal and contractual obligations. We obtain Personal Data directly from you, through cookies and other technologies, and from third parties as described in this Policy and any other privacy notices we may provide to you when you interact with us.

  • Information and content you provide. We collect the content, communications and other information you provide when you use our Site and Services, including when you sign up for an account, and message or otherwise communicate with others.
  • Usage. We collect data on how you use our Site and Services, such as the content you view or engage with, the features you use, the time, frequency and duration of activities.
  • Information from our service providers and partners. Sometimes our service providers share information with us. For example, we may obtain information from lenders regarding your purchase, creditworthiness, etc.
  • Device information. We collect information from and about the computers, phones, connected TVs and other web-connected devices that you use to access our Site.

⦁ PROTECTING YOUR PRIVACY GENERALLY.

  • Industry-Standard Protection. We utilize industry-standard security measures to safeguard the information we collect, maintain and use. These measures include technical and procedural steps to protect your data from misuse, unauthorized access or disclosure, loss, alteration or destruction. However, we do not and cannot guarantee the performance or adequacy of such security measures.
  • Limitation on Access. Access to any Personal Data we collect and store is generally restricted to our employees and/or contractors who require it to perform a job or other contracted function. We require vendors and contractors we work with to use reasonable, industry standard protocols to maintain the confidentiality, security, and integrity of Personal Data.

⦁ CHILDREN’S PRIVACY.

We do not intentionally collect any Personal Data from children under the age of sixteen (16).

⦁ TYPES OF INFORMATION WE COLLECT.

  • Information we collect from you. We may collect the following categories of Personal Data:
    • Contact information (name, local and permanent address, telephone number, electronic mail address)
    • Company information (company name, CEO, year founded, stage, headquarter location, website, logo, company description)
    • Information on the industry and sector you work in
    • Your date of birth, gender and gender identity
    • Your country of domicile
    • Your social security number
    • Your credit report and credit score
    • Any other information you provide to us
  • Information We Collect Via Tracking Technology. We use cookies and other tracking technologies (such as pixels and web beacons) (collectively, “Cookies”) to collect information as you navigate our websites. Cookies are small files of information that are stored by your web browser software on your computer hard drive, mobile or other devices (e.g., smartphones or tablets).We use Cookies to: (a) estimate audience size and usage patterns; (b) understand and save your preferences for future visits, allowing us to customize the online experience to your individual needs; (c) advertise new content, events and services that relate to your interests; (d) keep track of advertisements and search engine results; (e) compile aggregate data about website traffic and website interactions to resolve issues and offer better online experiences and tools in the future; and (f) recognize when you return to our websites.

    The Cookies we use collect the following types of Personal Data:

    • Usage Information. We collect information such as which areas of the sites you access, the frequency of access, and what you click on while using the sites.
    • Technical Information. We collect technical information about your connection to our sites, including the Internet protocol (IP) address, browser type and version, browser plug-in types and versions.
    • Device Information. We collect information about the device you are using, such as hardware model, operating system, application version number.
    • Mobile Device Information. In addition to the device information listed above, when you access our sites on your mobile device, we collect and aggregate information about whether you are accessing the sites via a mobile device or tablet, device type, and carrier.

Location Information. We collect location information from site visitors on a city-regional basis.
We set some Cookies ourselves and others are set by service providers. We use Cookies set by service providers to provide us with useful information to help us improve our sites, to conduct advertising, and to analyze the effectiveness of advertising.

Google Analytics
We may use Google Analytics, a web analytics service provided by Google, Inc. Google Analytics uses Cookies or other tracking technologies to help us analyze how users interact with the Sites and Services, compile reports on their activity, and provide other services related to their activity and usage. The technologies used by Google may collect information such as your IP address, time of visit, whether you are a returning visitor, and any referring website. The technologies used by Google Analytics do not gather information that personally identifies you. The information generated by Google Analytics will be transmitted to and stored by Google and will be subject to Google’s privacy policies. To learn more about Google’s partner services and to learn how to opt-out of tracking of analytics by Google, click here.

⦁ HOW WE USE YOUR PERSONAL DATA.
We use the Personal Data we collect to:

  • Communicate with you;
  • Provide you with information, newsletters and offers;
  • Provide our services;
  • Provide support;
  • Improve our products and services;
  • Maintain, improve and customize our Site and Services;
  • Defend our legal rights and the rights of others;
  • Efficiently maintain our business; and
  • Comply with applicable law.

⦁ INFORMATION WE SHARE WITH THIRD PARTIES.

We do not sell personal data. We may share the information that we collect about you in the following limited ways:

  • With financial institutions. We may share information with financial institutions who may provide lending opportunities.
  • With service providers. We may share information with service providers who:
    • perform data services on our behalf (e.g., email, hosting, maintenance, backup, analysis, etc.);
    • prepare, deploy and analyze advertising content on our behalf;
    • provide other services on our behalf, such as accounting services, and other various services;
    • process credit checks; and
    • process payment information on our behalf.
  • To Meet Our Legal Requirements or Exercise Our Rights. We may share information with third parties in the following instances:
    • When we are required to do so by law.
    • In connection with any legal proceedings or prospective legal proceedings.
    • To establish, exercise, or defend our legal rights, including providing information to others for the purposes of fraud prevention.
    • When we reasonably believe it is appropriate to apply to a court or other competent authority for disclosure of that Personal Data where, in our reasonable opinion, such court or authority would be reasonably likely to order disclosure of that Personal data.
    • We may share information with other persons or entities as part of our own corporate transactions, such as during financing or any asset sale.

⦁ HOW TO ACCESS & CONTROL YOUR PERSONAL DATA

We respect your privacy and provide ways for you to choose whether to share your information with us or any third parties.

You may decline to provide information. You have the right to decide not to share information with us.

You may request deletion. You may submit a request to delete your personal data.

PLEASE NOTE, HOWEVER, THAT IF YOU CHOOSE NOT TO PROVIDE US WITH CERTAIN INFORMATION OR ASK US TO DELETE YOUR INFORMATION, WE MAY NOT BE ABLE TO PROVIDE YOU WITH SOME OF OUR SERVICES. IN ADDITION, IN SOME CIRCUMSTANCES, WE MAY NOT BE ABLE TO MODIFY OR DELETE DATA DUE TO OUR OWN OBLIGATIONS.

You may review and request changes to your personal data. You may use your account to access, correct, or view certain personal data we have collected which is associated with your account.

To request deletion or to request information about your personal data, you may contact us via the webform and/or email address in Section 2.

⦁ SECURITY

If you register for an account with us, you will be required to choose or will be assigned a password which enables you to access portions of our Site. You are responsible for keeping this password confidential and for all activity that takes place through your account credentials. Do not share your password with anyone. If your password is compromised, change your password within your account. If you believe your account may have been compromised, please notify us immediately.

We take industry standard security measures to protect your information. Unfortunately, the transmission of information via the internet is not completely secure. Although we will do our best to protect your Personal Data, we cannot and do not guarantee the security of your data.

⦁ LINKS TO THIRD-PARTY SITES

Our Site may contain links to other websites and companies that may be of interest to you. If you click on any of those links, you will leave our Site. We are not responsible for third-party websites. Therefore, please consult the terms of service and privacy policies of those sites when you visit them.

⦁ DATA RETENTION

We will store your Personal Data for as long as: (a) you maintain an account with us; (b) you continue using our Site and Services; (c) your Personal Data is stored in our back up servers and/or services; and (d) as long as we are legally required to retain the Personal Data.

⦁ ACCESSIBILITY

We are committed to ensuring this Privacy Policy is accessible to individuals with disabilities. If you wish to access this Privacy Policy in an alternate format, or would like to report an issue you are experiencing on our Platform or Services, please email us at support@webfinancedirect.com. You expressly agree to attempt to resolve any and all issues with accessibility directly with us and in good faith prior to instituting any legal action against us.

⦁ NOTICE TO NEVADA RESIDENTS

Nevada law allows Nevada residents to opt-out of the sale of certain types of personal information. Subject to a number of exceptions, Nevada law defines “sale” to mean the exchange of certain types of personal information for monetary consideration to a person for the person to license or sell the information to additional persons. We do not currently sell personal information as defined in the Nevada law. However, if you are a Nevada resident, you still may submit a verified request to opt-out of sales and we will record your instructions and incorporate them in the future if our policy changes. Opt-out requests may be sent to support@webfinancedirect.com.

⦁ NOTICE TO CALIFORNIA RESIDENTS

The California Consumer Privacy Act (“CCPA”) and the California Privacy Rights Act (“CPRA”) provide certain rights to California residents regarding the collection, use, disclosure, and sale of personal information. As of the date of last revision of this Privacy Policy, we were not / are not subject to the requirements of the CCPA or CPRA. If this changes, we will update our Privacy Policy. In the interim, of you would like to contact us to access and control your Personal Data, please see the options and tools we provide in Section 9 above. Please also feel free to contact us with any questions.

Shine the Light Law: If you are a California resident, California Civil Code § 1798.83 permits you to request information regarding the disclosure of your personal information by us to third parties for the third-parties’ direct marketing purposes (as those terms are defined in that statute). NVNG does not sell or disclose information to third parties for their direct marketing purposes.